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Mr Dennis M Pang from Reading, MA

Age 55 b. 6/24/1970
📍 223 Haverhill St, #reading, MA 01867-1809
✉️ dennis.pang@aol.com, dpang@bellsouth.net, dpang@aol.com, dpang@gateway.net, dennisp2574@yahoo.com, dennispang@mattaviz.com, pang@elkus-manfredi.com, dennispang@comcast.net, jlppchong2002@aol.com
👨‍👩‍👧 Relatives: Chiew Len Teo,Desmond Pang Kaiyin,Hoiyan I Pang,Jacquelin L Pang,Justen D Pang,Takkai Kai Pang,Thomas Pui Pang,Zhi Fang Wang,Alexander S Garson,Angela Wang,Bi Y Wang,Biying Wang,Christina E Sandy,Chuan Ci Wang,Guang Qing Wang,Heiyue Pang,Hoa Tu Truong,Howken Teo,Hui Feng Lin,Jia Ping Wang,Joshua H Pang,Kai Tak,Kunzhong Z Wang,Li Wah Chong,Li Ching Chong,Li Ming Chong,Lin Yang,Mei Liu Cai,Ping Wang,Rong Wang,Siewwah W Teo,Tandi Wang,Wei X Wang,Wei Xin Wang,Wei Xin Wang,Xing Liang Wang,Xiu Fang Qiu,Xujia Wang,Yan Qin Wang,Yan Yun Wang,Yoong Chong,Yu Feng Zeng,Zheng Wang,Zhifeng Wang,Zou Fang,Chucky A Truong,Liming Chong Liming,Nison Wong,Sarah H Truong
🕐 15 previous addresses

Dennis Pang

Age 43 b. 1982-08-07
📍 38620 Hastings St Apt C103, Fremont Ca
📞 (510) 282-8919, (510) 770-2191
✉️ DENPANG@GMAIL.COM, denpang@gmail.com

Dennis Pang

Age 67 b. 1959-02-27
📍 321 Hunters Holw, Bossier City La
📞 (318) 347-7517, (318) 347-7517
✉️ DPANG2@AOL.COM

Dennis Pang from Pearl City, HI

Age 82 b. 1944 Honolulu Co.
📍 2421 Anihinihi St
📞 (808) 455-9271, (808) 783-2186

Dennis Pang from West Covina, CA

Jan 1901 Los Angeles Co.
📍 1508 Stardust Dr
📞 (520) 398-7290, (510) 282-8919

Dennis Pang from Kaneohe, HI

Age 93 b. Jul 1932 Honolulu Co.
📍 46 Heeia St Unit 112
📞 (212) 737-6317, (660) 665-1781

Dennis Pang from Haleiwa, HI

Age 74 b. Jun 1951 Honolulu Co.
📍 59 747 Amaumau Pl
📞 (808) 638-7339

Dennis Pang from Honolulu, HI

Age 81 b. May 1944 Honolulu Co.
📍 900 Fort St Ma 500
📞 (631) 928-4735
👤 aka Dennis M Hpang

Dennis Pang from Powell, OH

Age 74 b. Oct 1951 Delaware Co.
📍 3891 Sandstone Cir
📞 (614) 766-9661

Dennis Pang from Reading, MA

Age 66 b. Jan 1960 Middlesex Co.
📍 223 Haverhill St
📞 (781) 779-1569

Dennis Pang from Monrovia, CA

Jan 1901 Los Angeles Co.
📍 416 W Chestnut Ave
📞 (940) 383-1409

Dennis Pang from Bossier City, LA

Age 67 b. Feb 1959 Bossier Co.
📍 321 Hunters Holw
📞 (318) 752-2342

Dennis Pang from Dublin, OH

Age 74 b. Oct 1951 Franklin Co.
📍 2411 Graylake Ct

Dennis Pang from Portland, OR

Age 52 b. Apr 1973 Multnomah Co.
📍 2109 Se 20th Ave

Dennis Pang from Los Angeles, CA

Age 81 b. May 1944 Los Angeles Co.
📍 1442 Longworth Dr

Dennis Pang from Missoula, MT

Jan 1901 Missoula Co.
📍 109 High Park Way

Dennis Pang from Kailua, HI

Age 90 b. 1936 Honolulu Co.
📍 723 Keolu Dr

Dennis Pang from Honolulu, HI

Age 90 b. Jan 1936 Honolulu Co.
📍 611 Middle St

Dennis Pang from San Jose, CA

Age 33 b. 1993 Male
📍 3297 Pomerado Dr
📞 (408) 764-4312

Dennis Pang from El Cerrito, CA

Contra Costa Co.
📍 514 Richmond St 1
📞 (510) 904-1072

Dennis Pang from Berkeley, CA

Alameda Co.
📍 2700 Hearst Ave Unit B
📞 (989) 939-8364

Dennis Pang from Berkeley, CA

Alameda Co.
📍 6 32 E 2700 Hearst Ave B

Dennis Pang from Shreveport, LA

Caddo Co.
📍 Po Box 52981

Dennis Pang from Irving, TX

Dallas Co.
📍 250 E John Carpenter Fw

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 24 contact records for Dennis Pang across 8 states. The most recent address on file is in Pearl City, Hawaii. Of these records, 15 include phone numbers and 3 include email addresses. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Pang, Dennis

Bossier County
PIN: 104104
· 321 Hunters Hollow Dr
Lot: 23,830sqft

Source: County Assessor Records · County Recorder Offices · State Property Tax Databases We found 1 property record linked to Dennis Pang. Values shown are from county assessor records and may differ from current market prices.

Dennis Chunlin Pang

NAV Reg: 7/2/2016
2340 NW Lydia Pl, Beaverton, OR, 97006
DOB: 1/1/1999
County: Washington

Dennis Lee Pang

NAV Reg: 9/28/2016
2109 SE 20th Ave, Portland, OR, 97214
DOB: 1/1/1973
County: Multnomah

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 2 voter registration records were found for Dennis Pang in Oregon. Party affiliation is listed as NAV. 2 registrations are currently active. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2015 Toyota Tacoma
· Registered to: Dennis Pang
· VIN: 5TFTX4CN5FX056961
·
1414 Alewa Dr, Honolulu, HI, 96817
·
(808) 540-3335

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 1 vehicle registration record is associated with Dennis Pang. Registered makes include Toyota. The most recent model year on record is 2015. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

Asus

Product Marketing Manager
+18122822787dennis_pang@asus.com
San Francisco,
LinkedIn

Dennis Pang Hawaiian Surf Dsgn

Owner
(808) 638-7339
Haleiwa, HI
Wholesale Trade - Durable Goods (Products)

A-1 Body & Fender Shop

Owner
(808) 833-7700
Honolulu, HI
Wholesale Trade - Durable Goods (Products)

Dennis MH Pang & Assoc

Owner
(808) 540-3335
Honolulu, HI
Insurance Brokers, Agents and Services (Insurance)

A1 Body Fender Shop

Owner
(808) 833-7700
Honolulu, HI
Automotive Services, Parking and Repair (Automotive)

International Community Health Services

Dennis PangProvider
Seattle, WA

Dennis Pang

It General Manager At Canadian Solar INC
Canadian Solar INC.
Jiangsu
LinkedIn

Ontario Public Library

Dennis PangManager
(617) 699-1330dennis.pang@aol.com
207 E Squantum St, Quincy, MA2171
ontario.pls-net.org

Elkus Manfredi Architects Ltd

Dennis PangComputer Graphics Artist
(617) 426-1300dpang@elkus-manfredi.com
Boston, MA

Fulcrum It Services Company

Dennis PangEngineer
(703) 392-1955dpang@gmri.com
Manassas, VA

Dennis Pang

Assistant General Manager · San Francisco Bay Area

Mariset Enterprises

Dennis PangCeo
swimmr@bellsouth.net
21079 Wilbeam Ave Apt 3, Castro Valley, CA94546

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 29 business affiliations were found for Dennis Pang. Companies include Dennis Pang Hawaiian Surf Dsgn, A-1 Body & Fender Shop, Dennis MH Pang & Assoc and 4 more. Roles listed include Product Marketing Manager and Digital Artist. Records are compiled from state business registries, SEC filings, and professional networking databases.

Unknown Corporation

CLERK: Dennis Pang

New York Phone Trader, LLC

ID: 4979896
Addr: 203 High Lawn Avenue, Brooklyn, NEW YORK, 11223
Filed: Jul 19, 2016 NEW YORK Kings County
Registered Agent: Dennis Pang

T & D Trading

Addr: 3891 Sandstone Circle, Powell, OH, 43065
OH
Officer: Dennis Pang

Unknown Corporation

ID: 1883010
Officer: Dennis Pang

Source: Public Records Dennis Pang appears in 4 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Dennis Pang

Physician And Surgeon License
ACTIVE
Issued: 20220408 Exp: 20271102

Source: State Professional Licensing Boards · Dept. of Professional Regulation Dennis Pang holds 1 state-issued professional license on record. License data includes type, status, and issue dates from state regulatory boards. Always verify current status directly with the issuing board.

Dennis Pang

President Theodore Roosevelt High School - Honolulu, HI, HI
1962

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Dennis Pang has 1 education-related record on file, which may include educator certifications and historical yearbook entries. Yearbook data represents a historical snapshot and may not reflect current information.

$200 Jul 13, 2001
2002 DEM
Hirono, Mazie K (g)
Pang, Dennis M H Honolulu, HI
$1 Oct 20, 2019
2020 DEM
Gabbard, Tulsi
Pang, Dennis IT @ Self Centreville, VA
$500 Dec 3, 2009
2010 DEM
Hirono, Mazie K
Pang, Dennis M H Insurance Broker @ Self-Employed Honolulu, HI
$1 Sep 22, 2019
2020 DEM
Gabbard, Tulsi
Pang, Dennis IT @ Self Centreville, VA
$500 Nov 13, 2017
2018 DEM
Hirono, Mazie Mrs
Pang, Dennis Mh Insurance Broker @ Self Employed Honolulu, HI
$300 Apr 18, 2011
2012
Carlisle, Peter
Pang, Dennis M H Self Employed @ Self-Employed Honolulu, HI
$500 May 12, 2010
2010 DEM
Hirono, Mazie K
Pang, Dennis M H Insurance Broker @ Self-Employed Honolulu, HI
$1,000 Feb 28, 2012
2012
Carlisle, Peter
Pang, Dennis M H Self Employed Honolulu, HI
$500 Jun 28, 2012
2012 DEM
Hirono, Mazie K
Pang, Dennis M H Insurance Broker @ Self Employed Honolulu, HI
$250 Apr 9, 2013
2014 DEM
Kim, Donna
Pang, Dennis Insurance @ Self Employed Honolulu, HI
$250 Mar 8, 2010
2010
Hiia Pac
Pang, Dennis Insurance Agent @ Dennis Pang & Associates Honolulu, HI
$1 Sep 22, 2019
2020 DEM
Williamson, Marianne
Pang, Dennis IT @ Self Centreville, VA
$500 Apr 5, 2018
2018 DEM
Hirono, Mazie Mrs
Pang, Dennis Owner @ Dennis Pang & Associates Honolulu, HI
$10 Oct 20, 2019
2020 DEM
Yang, Andrew Mr.
Pang, Dennis IT @ Self Centreville, VA
$700 Jun 30, 2008
2008 DEM
Hirono, Mazie K
Pang, Dennis Mh Broker @ Self Employed Honolulu, HI
$1,000 Jul 16, 2007
2008 DEM
Hirono, Mazie K
Pang, Dennis Mh Broker @ Self Employed Honolulu, HI
$1 Oct 20, 2019
2020 DEM
Williamson, Marianne
Pang, Dennis IT @ Self Centreville, VA
$300 May 3, 2018
2018 DEM
Hirono, Mazie Mrs
Pang, Dennis Owner @ Dennis Pang & Associates Honolulu, HI
$300 May 3, 2018
2018 DEM
Hirono, Mazie Mrs
Pang, Dennis Owner @ Dennis Pang & Associates Honolulu, HI
$1,000 Jun 30, 2011
2012 DEM
Hirono, Mazie K
Pang, Dennis M H Insurance Broker @ Self-Employed Honolulu, HI
$100 May 30, 2002
2002 DEM
Hirono, Mazie K (g)
Pang, Dennis M H Honolulu, HI
$500 Mar 28, 2014
2014 DEM
Kim, Donna Mercado
Pang, Dennis Insurance @ Self Employed Honolulu, HI
$500 May 31, 2018
2018 DEM
Kim, Donna Mercado
Pang, Dennis Insurance Services @ Servco Insurance Services Honolulu, HI
$1,000 Jun 5, 2009
2010 DEM
Hirono, Mazie K
Pang, Dennis Mh Broker @ Self Employed Honolulu, HI
$1,000 Oct 29, 2007
2008 DEM
Hirono, Mazie K
Pang, Dennis Mh Broker @ Self Employed Honolulu, HI
$1 Oct 20, 2019
2020 DEM
Gabbard, Tulsi
Pang, Dennis IT @ Self Centreville, VA
$300 Jun 30, 2008
2008 DEM
Hirono, Mazie K
Pang, Dennis Mh Broker @ Self Employed Honolulu, HI
$100 Oct 28, 2002
2002 DEM
Hirono, Mazie K (g)
Pang, Dennis M H Honolulu, HI
$150 Jul 13, 2001
2002 DEM
Hirono, Mazie K (g)
Pang, Dennis M H DBA American Ins Agency INC Honolulu, HI
$500 Mar 28, 2014
DEM
Kim, Donna Mercado
Contributor Insurance @ Self Employed Honolulu, HI
$1,000 Nov 21, 2019
Unknown Committee
Pang, Dennis Self Employed @ Dennis Pand And Associates Honolulu, HI
$250
2014 DEM
Kim, Donna
Contributor Insurance @ Self Employed Honolulu, HI

Source: FEC Disclosure Database · State Ethics Commissions · Stanford DIME Project 32 political contribution records found for Dennis Pang. Total disclosed contributions amount to $13,215. Recipients include Kim, Donna Mercado, Kim, Donna. Federal law requires disclosure of contributions above $200 to federal candidates.

MP

Dennis H Pang

Age 23 Male
·
3297 Pomerado Dr, San Jose, CA 95135 (Santa Clara County)
37.3078, -121.7590
· (408) 605-6567
Marital: Single TZ: Pacific
Homeowner Single Family Built 1998 Purchased 2008
MP

Dennis M Pang

Age 73 Male
·
1414 Alewa Dr, Honolulu, HI 96817 (Honolulu County)
21.3364, -157.8530
· (808) 595-7294
Marital: Single TZ: Hawaii
Occ: White Collar
Homeowner Single Family Built 1980
MP

Dennis L Pang

Age 44 Male
·
2109 SE 20th Ave, Portland, OR 97214 (Multnomah County)
45.5075, -122.6450
Marital: Inferred Married TZ: Pacific
Homeowner Single Family Built 1925
MP

Dennis Pang

Age 58 Male
·
321 Hunters Holw, Bossier City, LA 71111 (Bossier County)
32.5899, -93.6998
· (318) 752-2342
Marital: Married TZ: Central
Edu: High School
Homeowner Single Family Built 1994
MP

Dennis Pang

Age 57 Male
·
223 Haverhill St, Reading, MA 01867 (Middlesex County)
42.5358, -71.0858
· (617) 376-0459
Marital: Inferred Married TZ: Eastern
Edu: High School
Homeowner Single Family Built 1959 Purchased 2006
MP

Dennis Pang

Age 58 Male
·
2315 S Princeton Ave, Chicago, IL 60616 (Cook County)
41.8505, -87.6346
· (312) 326-2543
Marital: Single TZ: Central
Homeowner Single Family Built 1959
MP

Dennis D Pang

Age 66 Male
·
59-747 Amaumau Pl, Haleiwa, HI 96712 (Honolulu County)
21.6475, -158.0610
· (808) 638-7339
Marital: Married TZ: Hawaii
Homeowner Single Family

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 7 demographic profiles associated with Dennis Pang. This data is compiled from commercial aggregators and may include estimated income ranges, lifestyle indicators, and household characteristics. Accuracy is not guaranteed.

Find Dennis Pang on the map

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Found 55 results across 11 states

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Dennis Pang in Fremont, CA: Background Summary

Location
38620 Hastings St Apt C103, Fremont Ca, Fremont, CA
Other Locations
Pearl City, HI · West Covina, CA · Kaneohe, HI and 16 more
Profiles Found
24 people with this name
Phone Numbers
(617) 794-2868 and 18 others on file
Email
dennis.pang@aol.com and 10 others on file
Possible Relatives
Chiew Len Teo, Desmond Pang Kaiyin, Hoiyan I Pang, Jacquelin L Pang, Justen D Pang and 43 more
Career
Product Marketing Manager, Digital Artist at Dennis Pang Hawaiian Surf Dsgn, A-1 Body & Fender Shop
Voter Registration
Registered NAV
Properties
1property owned
Vehicles
1 linked — 2015 Toyota Tacoma
Contributions
$13.2K total — Kim, Donna Mercado, Kim, Donna

This information is compiled from publicly available records and may include data for multiple individuals with similar names. Data may contain inaccuracies or be incomplete. This information should not be used for employment screening, tenant screening, credit decisions, or any purpose covered by the Fair Credit Reporting Act (FCRA). Always verify information independently before making any decisions.

How to Read This Report

This page aggregates publicly available records from government agencies, court systems, and official registries into a single report for Dennis Pang. Because public records are indexed by name rather than by a unique identifier, the 109 results displayed here may include information belonging to multiple individuals who share the same name — a common occurrence, especially for frequently appearing names. To determine which records belong to the person you are researching, compare the location, approximate age, and any associated details across entries. Records that share an address or overlapping timeframe are more likely to refer to the same individual.

What Each Data Category Means

Property Records

Property records originate from county assessor and recorder offices, where real estate transactions, ownership transfers, and tax assessments are documented as a matter of public record. The assessed value shown for a property is the figure used by the county to calculate property taxes and frequently differs from the property's current market value — in many jurisdictions assessed values lag behind market conditions by several years. A property record updates whenever a new deed, lien, or assessment is filed with the county, so the ownership and valuation data shown here reflects the most recent filing available in our sources rather than a real-time snapshot.

Voter Registration

Voter registration data is maintained by state and county election offices and is considered public record under the election laws of most states. The party affiliation shown reflects the voter's registration at the time the record was filed; it does not necessarily indicate current political preferences, as voters may change their affiliation or register differently in subsequent elections. Not all states make their voter files publicly available — some restrict access or redact certain fields such as date of birth or residential address — so the completeness of voter data varies by state. Registration status (active or inactive) indicates whether the election office considers the registration current, not whether the person actually voted in recent elections.

Business and Professional Records

Business records are compiled from state Secretary of State filings, SEC EDGAR corporate disclosures, and professional networking data. When a person appears as an officer, director, or registered agent, it reflects a formal role filed with a government agency — these are legal positions of responsibility, not informal job titles. Records sourced from professional profiles represent information that individuals have chosen to make publicly available about their career history, skills, and affiliations. Business entity registrations show current or historical standing with the state, but a listing does not guarantee the entity is still actively operating.

Campaign Finance Contributions

Federal election law requires the disclosure of political contributions exceeding $200 to any single committee in a calendar year. These records are filed with the Federal Election Commission (FEC) and include the donor's name, mailing address, employer, occupation, and the amount contributed. Contributions to state and local candidates are governed by each state's campaign finance laws, which may set different disclosure thresholds. The data shown here reflects what was reported in official filings and may include contributions made over the course of many election cycles, so the dates and amounts should be read in their historical context.

Vehicle Records

Vehicle ownership records are obtained through sources that comply with the Driver's Privacy Protection Act (DPPA), the federal law that governs who may access motor vehicle records and for what purposes. The records shown indicate vehicles that have been registered to this individual through state DMV systems. Vehicle data may include make, model, year, and VIN, and reflects registration information at the time the record was filed. Vehicles that have been sold, traded, or transferred may still appear until the registration is updated in the state's records.

Important Limitations

Public records may contain outdated information, data entry errors, or records that belong to a different person who shares the same name as the individual you are researching. Government agencies update their records on varying schedules, and the data shown here may not reflect the most recent changes. Information on this page is provided for informational purposes only and should not be used for employment screening, tenant screening, credit decisions, or any other purpose regulated by the Fair Credit Reporting Act (FCRA). Always verify critical details through the originating government agency or official registry.

Your Rights

If you are the person described in these records, you have rights regarding your personal data. Under laws including the California Consumer Privacy Act (CCPA) and similar state privacy statutes, you may request the deletion or correction of your personal information. To submit a removal request, visit our opt-out page. For a complete description of how we collect, use, and protect personal data, please review our privacy policy.

Search Results Analysis for Dennis Pang

Search Complexity: High

109 public records across 11states, belonging to approximately 24 different individuals. With 24 distinct profiles across 11 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Political Contribution Records section may be most helpful for disambiguation because these records include employer and occupation, which are strong distinguishing fields.

Geographic Distribution

Records are widely distributed across 11 states. Highest concentration: Hawaii (18%), followed by California and Massachusetts. Spans the West and Northeast regions.

HI20recordsCA14recordsMA5recordsOR5recordsLA3recordsOH3records

Record Type Breakdown

Data spans 8 record categories. Largest: Political Contribution Records (32%), which include employer and occupation, which are strong distinguishing fields. Also includes Contact & Address Records (31) and Business & Corporate Filings (29).

32
Political Contribution Records
31
Contact & Address Records
29
Business & Corporate Filings
4
Corporate Records
2
Voter Registration Records
1
Property Ownership Records

Age Distribution

Age range: approximately 81 years, suggesting multiple generations. Largest group: Senior (65+) (70%).

Senior (65+)7peopleMiddle-Age (40-64)3people

Use the age information shown on individual record cards to help identify the correct person.

Frequently Asked Questions About Dennis Pang

Is Dennis Pang a registered voter?
Yes, voter registration records show Dennis Pang is registered in Oregon with NAV affiliation. We found 2 voter registration entries across 1 state. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
Does Dennis Pang own property?
County assessor records show 1 property associated with Dennis Pang . Assessed values are determined by county tax assessors and may differ from market value. These records are sourced from county recorder and assessor offices.
What vehicles are registered to Dennis Pang?
Records show 1 vehicle registration associated with Dennis Pang, including a 2015 Toyota Tacoma. Vehicle registration data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.
What businesses are associated with Dennis Pang?
We found 29 business affiliations for Dennis Pang (Product Marketing Manager). Other companies include A-1 Body & Fender Shop, Dennis MH Pang & Assoc. Business records are compiled from state registries, SEC filings, and professional databases.
Has Dennis Pang made political donations?
FEC disclosure records show 32 reported political contributions from Dennis Pang, totaling $13,215. Recipients include Kim, Donna Mercado and Kim, Donna. Federal law requires disclosure of individual contributions exceeding $200.
How many records exist for Dennis Pang?
Our database contains 109 total records for Dennis Pang spanning 11 states. This includes 24 distinct contact records, 15 with phone numbers, 3 with email addresses. Multiple records may represent different individuals sharing the same name. All data is compiled from publicly available government and commercial sources.
How accurate is the information shown for Dennis Pang?
The 109 records displayed for Dennis Pang are aggregated from government agencies, county offices, and official registries. While we source from authoritative databases, records can contain outdated information or belong to a different person with the same name. We recommend verifying important details through the original issuing agency before making decisions based on this data.
Can Dennis Pang remove this information?
Yes, any individual has the right to request removal of their personal information. Submit a free removal request through our opt-out page. Under the CCPA and similar state privacy laws, you can request deletion of your data. Removal is completed within 48 hours. You do not need to create an account.
Can I use this data for background checks or screening?
No. OpenDataUSA is not a Consumer Reporting Agency under the FCRA. These records may not be used for employment screening, tenant evaluation, credit decisions, insurance underwriting, or any other FCRA-regulated purpose. For official background checks, use an FCRA-compliant service.